Benefit Summary
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Plan NameLong Term Disability
DescriptionClass 1: key, general managers, corporate and steering committee employees working at least 30 hours weekly
CarrierThe Hartford
Policy Type LTD Employer Paid
Effective Dates4/1/2022 to 4/1/2024
Benefit Attributes - Class 1: key, general managers, corporate and steering committee employees working at least 30 hours weeklySchedule of Benefits
General Plan Information
Definition of EarningsSalary, Commission and Bonuses
Pre-Existing Condition Limitations3/12
Elimination Period180 days
Monthly Benefit Maximum$10,000
Benefit Percentage60%
Return to Work Incentive Benefit12 consecutive months
Definition of Disability2 years own occupation after that, Any Occupation
Maximum Period of PaymentSSNRA with RBD
Mental Illness - Limitations24 months
Earnings Test80% own occupation for first 2 years then 60% any occupation
Self-Reported Symptoms - LimitationsContact Carrier
Minimum Monthly BenefitThe greater of $100 or 10% of the benefit
Partial DisabilityCovered